AAA Car Insurance

It might cover both, depending on your policy.

Some policies protect the car. If you have an accident and your car gets dinged—or worse—optional collision coverage will help pay to repair or replace it. Comprehensive insurance, which is another optional coverage, applies for non-crash-related hazards. So if a storm floods your car, a squirrel gnaws on your wiring, or loose bricks fall onto your hood, comprehensive coverage will help pay for the repairs. And liability coverage, which is required in most states, pays for the damage to another driver when you are responsible for an accident.

Other policies may help pay for medical costs if someone gets hurt in a crash. If another driver hits you, for example, their liability coverage may extend to your accident-related injuries. And depending on the state you live in, your health care provider can secure a lien for the full amount owed for bodily damages.

If someone has an existing insurance policy with AAA (or any other insurance company), they have a 14-day to 30-day grace period to insure their new car, depending on the type of policy. However, if an individual purchases a new car and has never had an insurance policy before, they need to purchase insurance before they drive off the lot.

Yes, comprehensive coverage from AAA includes windshields. Also, keep in mind that AAA Members save 10% on auto glass repair or replacement from any Safelite AutoGlass repair facility or mobile service.

Yes, In many cases it does.

If another driver hits your car and cracks your windshield, that driver’s liability coverage pays for your repairs.

If you cause a car crash that cracks your windshield, and you have optional collision coverage, you can file a claim with your own insurance company.

If your windshield gets cracked from something other than a car crash—like a falling tree branch, a rogue baseball, or debris from the freeway—you’re protected if you have optional comprehensive coverage.

Yes and no. Depending on the policy you choose, AAA covers car rentals if your insured vehicle is out of commission due to breakdown, repair, servicing, or loss, and also leisure rentals (with certain limits). However, there are policies with reduced coverage that do not extend to leisure travel, so check with your agent. 

Should you have any questions about rental car coverage, talk to your AAA insurance agent for more information.

Visit MyPolicy and sign up to view and print your proof of insurance ID card. Make sure to have your Membership number and policy number ready.